I agree with Flynn. Start telling her why you you are avoiding her. You got a reality check. Give her one, too. She, even though she feels ashamed and guilty, has been doing just fine because you are being nice about it really. She's playing you. Being just nice enough so that you don't get mad at her. She hasn't had to deal with the fallout of her actions enough...only financially it has hit her. She taunted you, "bring it on"...maybe it's time to do just that, but not in the way she thinks. Give her reality checks with your words and actions. YOu've been doing good the last few days.